Cardinal Credit Union, Inc. Credit Union
Total assets
$354.3M
▲ +7.5% YoY
Shares & deposits
$313.9M
▲ +8.1% YoY
Loans
$262.6M
▲ +4.7% YoY
Members
23,771
▼ -0.5% YoY
ROA (annualized)
0.12%
peers 0.69%
ROE (annualized)
1.14%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +8.1% | +3.3% | +4.8 pts |
| Loan growth (YoY) | +4.7% | +2.9% | +1.8 pts |
| ROA | 0.12% | 0.69% | -0.6 pts |
| ROE | 1.1% | 5.9% | -4.8 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
Profile
- Established
- —
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 8500 Westport Dr, Mentor, OH, 44060
- NCUA charter #
- 68707
- RSSD ID
- 667195
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $354.3M | $313.9M | $262.6M | $36.1M | $103K | 0.12% | 3.42% | 0.78% | 23,771 |
| Q4 2025 | $358.5M | $307.3M | $258.7M | $36.0M | $359K | 0.10% | 3.22% | 0.86% | 23,316 |
| Q3 2025 | $335.8M | $295.6M | $249.3M | $35.9M | $296K | 0.12% | 3.40% | 1.05% | 23,304 |
| Q2 2025 | $334.8M | $296.3M | $251.9M | $35.8M | $185K | 0.11% | 3.36% | 0.74% | 23,805 |
| Q1 2025 | $329.4M | $290.3M | $250.8M | $35.7M | $79K | 0.10% | 3.34% | 0.63% | 23,882 |
| Q4 2024 | $313.3M | $274.4M | $251.4M | $35.6M | $26K | 0.01% | 3.33% | 0.64% | 23,619 |
| Q3 2024 | $306.8M | $265.9M | $227.1M | $35.8M | $212K | 0.09% | 3.37% | 0.79% | 23,470 |
| Q2 2024 | $304.3M | $264.6M | $226.2M | $35.7M | $153K | 0.10% | 3.37% | 0.59% | 23,535 |
Loan mix (Q1 2026): real estate $101.6M · commercial $58.0M · consumer $100.7M · securities $36.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 78.7% | 93th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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